Bank account closing process:

1. Consult the working hours of the bank where the bank card is located, and go to the bank during working hours.

2. The parties bring their ID cards and bank cards. If online banking is launched, they may need an online banking secret card and a network shield, and forget to bring the business that may not be able to cancel the bank card.

3. Make sure that the bank card balance is withdrawn in advance, or consult the bank staff and withdraw the balance after identity verification.

4. After arriving at the bank, find the industrial personnel and tell them that they need to cancel the bank card business. If they need to wait in line, they will wait in line.

5. After the identity is confirmed, fill in the confirmation form and sign it for confirmation.

6. The staff informed that the bank card had been cancelled and the card was cut.

Precautions:

1. If there is money left in the bank card, you can take it out at the counter when you close the account.

2. If the bank card is lost, you need to reissue a bank card first, and then cancel the account, and the card fee is required to replenish the card;

3. For savings cards, if they are not used for a long time, they will generally freeze automatically and will not affect personal credit records. For credit cards, if they are not used for a long time, they will not freeze automatically, and they may be overdue because of the annual fee;

4. Credit card cancellation must take out the balance on the card and ensure that there is no debt on the card;

5. After the successful cancellation of the savings card, it will not affect the future application. After the successful cancellation of the credit card, if the personal credit is affected by careless use of the card before, it will cause some trouble in applying for a credit card in the future.

Extended data:

Can I close a black account in a bank?

Illegal bank accounts are not permanent. If you can actively repay, and repay the overdue liquidated damages and interest according to the requirements of the bank, the overdue records will be eliminated within 24 months, and the illegal bank account records will be automatically eliminated within 5 years.

In daily life, I suggest that everyone must avoid behaviors that affect personal credit records. For example, he still refused to pay back the loan, credit card and other serious circumstances, despite repeated reminders from the bank. Usually always in arrears with water and electricity bills, which seriously affects the records of personal credit information system and will seriously affect daily life and work. Becoming an illegal bank account will limit his normal life and there is no way to apply for loans and credit cards.

If you want to cancel your account in the bank, I suggest that you should fulfill the responsibility and obligation of active repayment, so as not to cause more serious results for yourself, because the circumstances of default in repayment are more serious, which will affect your normal credit information system. In addition to being blacklisted by the bank, you will also be directly sued by the bank and included in the list of people who have lost their trust. In this case, it will be difficult to get up.